Associate Credit Resume Samples
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Associate Credit Resume Samples
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EO
E O'Hara
Eliza
O'Hara
5436 Reynold Circles
Los Angeles
CA
+1 (555) 744 6888
5436 Reynold Circles
Los Angeles
CA
Phone
p
+1 (555) 744 6888
Experience
Experience
San Francisco, CA
Associate Credit Analyst
San Francisco, CA
Bergnaum-Wisoky
San Francisco, CA
Associate Credit Analyst
- Complete special project work and other activities, including back-up support and departmental improvement initiatives
- Assist in monitoring credit policy compliance by verifying adherence to the Commercial Credit Policy, and commenting on any risk associated with non-compliance
- Write reports that are clear and concise that demonstrate the strengths and risks of a credit, as well as provide a well-supported recommendation for action
- Perform other duties as assigned
- Working knowledge of personal computers and various software programs such as Windows Word, Excel and PowerPoint
- Strong interaction with Risk Corporate, Coverage (Relationship Management) and Product Teams (FX, Derivatives, DCM, Syndications, Project Finance, etc.)
- Develop credit analyses for use by lending officers in the making of lending decisions on new credit approvals and renewals
Houston, TX
Associate, Credit Management
Houston, TX
Tremblay, Ledner and Herman
Houston, TX
Associate, Credit Management
- Supervise, provide feedback and monitor team’s work performance
- Manage consumer collection staff
- Debt Management
- Management & Analysis
- Perform major scope of Credit Policy Enhancement
- Manage debtors complaints
- Perform Bad Debt Analysis and recommend policy tightening to product and marketing team
present
San Francisco, CA
Senior Associate, Credit Risk
San Francisco, CA
Satterfield-Reinger
present
San Francisco, CA
Senior Associate, Credit Risk
present
- Develop and sell new and existing clients, including development of marketing plans and sales strategies
- Develop, build, test, and deploy applications using iterative, and agile-like development processes
- Manage various facets of engagement including risk management, project acceptance, billing, delivery, and collections
- Create consumer credit loss forecasting methodologies for clients
- Develop and model complex financial structures such as reverse engineering of cash flow “waterfall” including payment rules and trigger effects
- Assist audit and advisory clients in evaluating consumer loan portfolio risk assessment models
- Evaluate analytical models and methodologies used in consumer credit lending, account management, and collections
Education
Education
Bachelor’s Degree in Mathematics
Bachelor’s Degree in Mathematics
University of Central Florida
Bachelor’s Degree in Mathematics
Skills
Skills
- Ability to set goals and handle multiple tasks, clients, and projects simultaneously; ability to appropriately balance priorities, deadlines, and deliverables
- Ability to quickly adapt to new methods, work under tight deadlines and stressful conditions
- Ability to balance detail with departmental goals/objectives
- Basic knowledge of accounting and quantitative analysis
- Creativity, accountability and resourcefulness
- Strong written and verbal communication skills
- Keen attention to detail
- Intermediate and written skills to be able to clearly and concisely communicate research and ideas
- Ability to focus in an open environment
- Ability to manage and adapt to the changing priorities
15 Associate Credit resume templates
Read our complete resume writing guides
1
Associate, Credit & Transaction Management Resume Examples & Samples
- To manage credit facilities, primarily for syndicated & bilateral loans and trading derivative lines for the assigned portfolio
- To act as a primary internal reference point for issues relating to assigned companies. Key day-to-day duties include (i) verifying compliance with credit agreements including financial covenant verification and margining, (ii) ensuring compliance with Bank Policy, (iii) early identification and assessment of deteriorating risk situations and where necessary, proposing a course of action to ensure safety of the Bank’s funds, (iv) preparation and submission of credit renewals, amendments and annual reviews, (v) review of agreements and verification that Bank systems correctly reflect the terms and conditions of credit facilities for the assigned portfolio, and (vi) management of credit and payment excesses
- To build a knowledge base/expertise in the industry sectors impacting the assigned portfolio, gaining an understanding of key economic drivers and credit metrics related to those industries, and to keep abreast of market developments in order to evaluate the risk implications for the portfolio
- To assist with the execution of approved account strategies and to liaise extensively with relationship managers in Corporate Banking and Global Financial Institutions in Canada, the US, London and other international offices. In addition, CTM managers have frequent interactions with Loan Portfolio Management, FX/commodities/swaps trading teams, loans administration and executives within RBC Capital Markets and with other areas of RBC Financial Group, notably Group Risk Management and Cash Management Services
- MBA or other relevant post-graduate degree, and/or professional designation (e.g. CA, CMA, CFA)
- Ability to read and understand complex credit/legal documents
- Ability to critically assess financial statements and other client reports and derive reasoned conclusions and recommendations
- Solid written and verbal business communication skills
- Commitment to task and attention to detail
- Ability to prioritize, perform well under pressure and meet time sensitive deadlines. Acceptance that this is frequently not a 9-to-5 environment
- Previous relevant banking or credit experience would be a significant asset
2
Associate, Credit Structures Resume Examples & Samples
- Support team in delivering a superior Black Card client experience
- Ensure timely and detailed identification of credit renewals to support Manager(s) Credit Structures in minimizing expired credit files
- Ensure accuracy of documentation and credit maintenance when liaising with the Private Banking Service Centre
- Demonstrate knowledge and understanding of financing products, credit/risk procedures, guidelines, and standards
3
Associate, Credit & Transaction Management Resume Examples & Samples
- Ability to read and understand complex legal documents
- Strong credit, analytical and technical skills, ability to critically assess financial statements and other corporate and commercial client reports and draw reasoned and relevant conclusions to recommend a course of action
- Previous banking experience with relationship management, structuring and writing credit proposals, credit processes, policies, risk analysis would be a significant asset
- An ability to work effectively within a team environment and to interact at all levels within a large organization
- French reading/writing/communication skills would be an asset
4
Associate Credit Risk Management Asia Funds Team Singapore Based Resume Examples & Samples
- Due Diligence - preparation of forward looking qualitative and quantitative credit analysis to provide risk assessment and internal credit ratings for both new onboardings and our existing Fund clients
- Onboarding – work closely with the FX, Rates, Equities, Credit, Repo trading desks, as well as Clearing, Prime Brokerage and Investor Services to facilitate onboarding new business
- On-going Risk management - proactive management of exposures and preparation and presentation of portfolio risk reviews to Senior Credit Execs
- Legal Documentation - negotiate trading documentation striking a balance between commercial and credit considerations
- 3-4 years FIG Credit Risk experience in an Investment bank, preferably with some Hedge Funds experience
- Strong credit/risk analysis skills and commercial judgment
- Understanding of the Funds industry, investment strategies and the risks inherent in them
- Good product knowledge covering flow derivatives, listed futures and options, OTC Clearing, Prime Brokerage etc
- Knowledge of relevant trading documentation, eg. ISDA/CSA, GMRA, MRA, IPBA etc
- Well developed verbal and written communication skills with good attention to detail
- Understanding of quantitative concepts such as volatility, standard deviation, VaR, Stress, Greeks etc
- The confidence to build credibility and rapport with Business partners and clients
5
Associate Credit Specialist Resume Examples & Samples
- Review and negotiate non-routine contracts and credit offerings with automotive lenders as an advocate for the Tesla customer
- Represent the Tesla customers’ interests in a thoughtful, detailed, and honest manner in negotiations with automotive lenders
- Build strong working relationships with outside lender personnel including credit analysts, funders, sales representatives and managers based on mutual benefit
- Assist Tesla customers in selecting a lender offer based solely on maximizing the customers’ overall Tesla experience
- Complete the placement of contracts with lending banks including all required and requested stipulations in a fast and efficient manner to maximize cash flow for the company
- Review, analyze and underwrite complex auto leases within company guidelines
- Review and decision a high volume of applications on a daily basis with the goal of industry-leading turnaround time
- Review financial statements, credit reports, applicable debt ratios and loan-to-value ratios in order to make credit decisions that mitigate future risk for the company
- Build strong working relationships with the Sales/Marketing Team, Sales Admin Team, and all Tesla team members
- 2-4 years experience in analyzing and decisioning consumer auto loans and leases for a captive automotive finance company or major bank
- 2-4 years experience in the negotiation of consumer loan terms between automobile dealers and the financing lender for consumer auto loans and leases
- Expertise in reviewing consumer credit reports including Experian, Equifax, and Trans Union
- Proven ability to perform credit risk analysis
- The highest level of integrity and accountability
- Knowledge of Consumer Auto Finance and FCRA and ECOA rules
- Strong written and verbal communication skills and ability to interact effectively with all levels of management
- Ability to work independently and think creatively with a proven track record of execution
6
Associate Credit Risk Management Resume Examples & Samples
- Five plus years of relevant credit approval in a bank setting preferred
- Strong communication/interpersonal skills
- Demonstrated ability to function decisively in a dynamic environment
- Strong client service and demonstrated risk management oversight
- Strong Leadership abilities
7
Associate Credit Resume Examples & Samples
- Preparation of credit transaction requests in support of ITS global trading activities with asset managers
- Understand and assess risks inherent in (i) the asset management industry and its regulation, (ii) the sponsors and the markets they operate in, (iii) trading products and (iv) investment strategies
- Develop and maintain relationships with ITS sales and trading professionals along with asset management clients in order to facilitate understanding of business requirements and credit risks
- Develop and maintain relationships with risk management, global middle office and internal legal
- Understand and assist in negotiation of trading documentation including ISDA and IFEMA
- Maintenance and accuracy of trading limit data within all RBC limit management systems
- Completion of assigned projects and other duties in an efficient and effective manner that supports business initiatives
- Graduate degree in with a focus in finance or economics
- LI-MM2
8
Associate Credit Structures Resume Examples & Samples
- Provides superior execution and delivery of client transactions and maintenance in an efficient manner
- Ensure skills/knowledge/accreditations are up-to-date and meet position requirements
- Demonstrate commitment to colleague care and team work by coaching, mentoring and assisting colleagues in meeting the needs of all clients
- Strong credit background; minumum 2 years relevant experience. Successful candidate must have practical experience/knowledge of current credit practices in Canada
- Previous lending/CASPER experience with full knowledge of credit products
- Sound knowledge of current personal lending procedures and risk assessment
9
Associate, Credit Ratings Resume Examples & Samples
- Primary analyst for a portfolio of credits in the Banks, Non-Bank FI and/or Insurance sectors across Southeast Asia
- Analyze original, non-routine and complex situations in a timely, orderly and insightful manner
- Develop and maintain a deep understanding of industry trends and issues
- Prepare a variety of materials suitable for publication (rating reports, thematic sector reports) to disseminate and explain our ratings on a timely basis
10
Associate, Credit Transaction Management Resume Examples & Samples
- Manage the full range of credit, trading and transactional products for your assigned portfolio
- Ensure data integrity within CCMS
- Manage Enterprise accounts as the primary credit account manager, seeking advice when required
- Understands banking and financial products across the board
- Degree level (or higher qualification) and credit training essential
11
Associate, Credit Structures Resume Examples & Samples
- *Please note this postion will be located in the Greater Toronto Region***
- Ensure detailed identification of credit renewals to support Manager(s) Credit Structures in minimizing expired credit files
- Delivers accurate documentation and credit maintenance when liaising with the Private Banking Service Centre
- Knowledge of and experience in granting personal credit
- Sound knowledge of personal lending procedures and risk assessment
- Proven ability to understand and interpret financial statements
12
Associate, Credit Analysis & Assessment Resume Examples & Samples
- Conduct annual RAF reviews, including providing any additional analysis as required by the CAA Team Lead , Risk Managers, new regulatory standards, etc
- Complete draft RAFs for review by the CAA Team Leader and Risk Managers (RM)
- Support the CAA Team Leader in the new RAF review process: editing, research and analysis, approval work flow as required
- Input data into GRMs risk rating and reporting tools as required to support tracking of Risk Assessment Frameworks and other RAF tracking systems
- Compile reports for various GRM-Credit purposes
- Actively follows business and financial performance through daily monitoring of financial and industry information, regulatory events, external rating agency movements, and other early warning signals
- Manage CAA drives, folders and SharePoint as required
- Assist in the timely and consistent preparation of materials to support risk rating activities, which include but are not limited to annual and interim reviews and in the future credit comments and indicative Borrower Risk Ratings
- Includes compiling and initial analysis of financial statements, industry data analysis, and peer comparisons
- Includes the identification and evaluation of major risks
- Maintains industry peer group comparisons. Includes research with respect to industry developments, regulatory changes and other issues as required
- Have a thorough knowledge of the latest Criteria Papers and Policies and ongoing changes made to them
- In the future complete the RAFs for newly approved deals as assigned
- Other sundry duties as assigned
- Minimum Bachelor’s degree (i.e. B.Comm., BSc/BA Finance, BA Economics or related subjects)
- High degree of knowledge of financial markets and credit operations; sound knowledge across multiple industry sectors
- Proven ability to write clearly and concisely
- Quality and timely completion of data entry, analysis and reporting
- Highly developed organizational skills including ability to prioritize a large number of workflow items
- Demonstrated financial modeling and analytical skills, including ability to think critically and “outside the box” and make sound recommendations
- Demonstrate a maturity level and exhibit the skill and judgement qualities in order to deal effectively with Senior Management within GRM Credit and Business Partners
- Strong research skills
- Strong interpersonal skills and teamwork skills
- High degree of computer literacy with high comfort level in use of word processing (Word), spreadsheet (Excel) and database software (various) and in using electronic tools for on-line research
13
Associate, Credit Structures Resume Examples & Samples
- Prepares well structured, and articulate credit submissions (ie. Visa and Overdraft) when completing basic Credit Applications on behalf of a Manager(s) Credit Structures
- Take personal accountability for personal development, high achievement, actively participate in learning opportunities, executing planned activities in partnership with coach
- Fluency in Mandarin &/or Cantonese an asset
14
Associate & Credit Analyst Resume Examples & Samples
- Strong verbal and written communication skills, professional presentation, organizational skills and a proactive customer service approach. This position requires the incumbent to clearly communicate with internal business units and co-workers
- Strong proficiency in Excel, Powerpoint and Word
- Knowledge of Bloomberg Terminal and Usage
- Excellent detail orientation, exceptional problem-solving skills, and an ability to organize and prioritize work in order to meet deadlines in a proactive manner with little supervision
- 2 to 3 years of work experience in accounting or finance, with experience in credit analysis, lending or financial transaction activities
15
Associate Credit Card Processing Manager Resume Examples & Samples
- 5+ years of Credit Card processing experience
- Bachelor's Degree Accounting, Business Administration, and/or Finance
- Working knowledge of SQL, Access & Excel
- Recurring and eCommerce experience
- Subscriber Services or Telecom experience
16
Associate Credit Analyst Resume Examples & Samples
- Participates in and completes an assigned training curriculum
- Review all pertinent credit and financial information, including reporting services, credit bureaus, and other companies
- Determine the need for more thorough investigation or additional information
- Analyze information financial statements and related materials
- Prepare summary, present facts, and offers opinions concerning credit-worthiness
- Assign an overall risk rating to the credit request
- Assist in monitoring credit policy compliance by verifying adherence to the Commercial Credit Policy, and commenting on any risk associated with non-compliance
- Develop credit analyses for use by lending officers in the making of lending decisions on new credit approvals and renewals
- Understand and maintain M&T internal control standards
- Complete other related duties as assigned
- Bachelor’s degree, or in lieu of a degree a combined minimum of 4 years higher education and/or work experience
- Working knowledge of personal computers and various software programs such as Windows Word, Excel and PowerPoint
- Bachelor’s degree in Accounting, Finance or related field with basic accounting and finance coursework
- Prior work experience requiring analytical skills
- Excellent analytical ability and critical thinking skills
17
Associate, Credit Assessment Resume Examples & Samples
- Analysis of credit risk aspects and financial viability of customer applications
- Assess and fate consumer applications in-line with DCA specifications
- Adhering to industry regulations, internal policy and procedures to avoid operational losses and keeping the bank safe
- Communication with Third Party Introducers ensuring service standards are met and adhered too to meet customer expectations
- Liaising with external stakeholders i.e. Mortgage Insurers, Valuers, Solicitors and settlement agents
- Current holder of a DCA, DLA, CAD or equivalent preferred
- Manual credit assessment experience
- Extensive specialist knowledge in Credit Assessment
- Strong knowledge of the end to end mortgage process
- Experience in a high volume target driven environment
- Strong customer service delivery focus and call handling experience
- Continuous improvement skills, looking for better ways to do things
18
Associate Credit Analyst Resume Examples & Samples
- High school diploma, degree preferred
- 2+ years experience in underwriting property and credit preferred
- Experience with and knowledge of property and credit underwriting requirements of FNMA, FHLMC, and private mortgage insurance companies
- Excellent oral and written communication skills are required
- Ability to prioritize workload effectively
- Ability to effectively make decisions in an independent manner and availability as a resource advisor for all staff
- Ability to work independently, high level of responsiveness required
- Good analytical, problem solving, organizational and communication skills needed
19
Senior Associate, Credit Risk Resume Examples & Samples
- Deliver client analytics projects as part of broader team of data scientists and industry/solution professionals by working with the appropriate technical resources to transform client problems into business solutions
- Translate business requirements and unstructured business issues into data analytic solutions
- Work with data scientists to identify data needs, sources, and structure to support client issues
- Proactively broaden and deepen client relationships by managing client relations with senior-level clients
- Establish and successfully execute engagements against financial targets, such as rate per hour and budgets, managed hour, and profitability
- Five years of data analytics experience in a professional services firm, financial services or similar environment
- Detailed knowledge of operations in one or more industries and a strong understanding of business processes, including business operations, business delivery models and business revenue models
- Bachelor’s degree in a technical or quantitative field from an accredited college or university; Masters or MBA degree preferred
- Strong communication skills with the ability to explain technical data analysis results to business people and business processes, challenges and issues to technical people, Client consulting skills including ability to build relationships with clients, potentially with C-level executives
- Knowledge of governance, controls, process and procedures, centers of competency, change management, conceptual data modeling, master data management, data standardization and stewardship, information integrity and compliance, and data quality management
20
Associate Credit Collection Resume Examples & Samples
- Preferred: 1 year related experience in an Accounting, Finance Role, Customer Service Role
- Preferred: Some college or college degree
- Excellent English Skills: Written, Oral, Presentation required
- Average PC skills- Basic Microsoft Office, Outlook, Explorer
- Preferred: Excel (Beginner / Intermediate), SAP
- Basic financial risk assessment skills
- Preferred: Some financial risk analysis knowledge
- Excellent Inter-personal and communications skills
- Ability to work in a team environment and across functional groups
21
Associate Credit Risk Resume Examples & Samples
- Review unusual collateral and borrower legal structures to determine acceptability and appropriate advance rates
- Work closely with credit risk management/operational staff in assessing risk due to market changes
- Work closely with field sales on large loan transactions and escalations
- Strong internal and external customer focus
22
Associate Credit Risk Resume Examples & Samples
- Monitoring and analyzing data and identifying trends in Criticized/Classified Loan balances, Non-Accrual Loans, Charge-Offs and other concentrations of risk
- Addressing regulators requests that are raised regarding risk related information
- Working closely with Segment Business Analysts, Chief Investment Officers, Finance and others to evaluate data needed to properly monitor portfolio risks
- Communicating changes or additions to existing data or reports to the Risk Analytics and Reporting Group and assisting in the implementation and testing of those changes
- Support external financial reporting through preparation of information used in 10Q and 10K reporting
- Participate in the monthly Corporate Credit Risk Reporting (CCRR) database approval of reporting process, analyzing data, identifying issues and data enrichment
- Providing Risk Management with any required ad-hoc or special analyses or projects as needed
- Degree in Finance, Accounting or other Business related major
- Prior Bank or Bank Regulatory experience in risk related analytical role
- Ability to communicate and present analytical data efficiently and effectively
- Desire to work in a fast paced, proactive environment
- Proficiency with Microsoft Office products, particularly Excel, Word and PowerPoint
- OBIEE and/or Business Object experience a plus
23
Senior Associate, Credit Risk Resume Examples & Samples
- Master’s degree in Mathematics, Statistics, Engineering, Operations Research, or Physics from an accredited college/university
- Direct experience in practical application of mathematical modeling to help solve business problems in forecasting loan performance, the application of loan decisioning systems, and building credit score cards
- Familiarity with multinomial logic modeling or other comparable applications and exposure to or awareness of consumer lending
24
Associate Credit Analyst Resume Examples & Samples
- Consistently follow-up on delinquent accounts with appropriate collection efforts in order to maintain delinquency levels within established targets. Escalate collection efforts within team, engaging third party agencies and legal when required
- Complete credit investigative work, including financial statement analysis
- Review held customer orders keeping accounts within established delinquency and credit limit targets
- Maintain the relationship with the Business Unit being supported by utilizing communication and collaboration. Keep the Business Unit’s Service Level Agreement current
- Lead the monthly stewardship meetings with assigned Business Unit(s) and prepare the report package for the meetings
- Complete monthly/month end close activities
- Assist the Business Unit with maintaining its customer master files. It is essential that this data be correct and current
- Coordinate with department associates handling common accounts
- Complete special project work and other activities, including back-up support and departmental improvement initiatives
- Bachelor’s degree in Finance, Economics or Accounting
- 0-3 years of previous credit or collection experience
- Previous commercial collection experience
- Proficiency using a PC-computer and related software
25
Associate, Credit Analyst Resume Examples & Samples
- Gather appropriate client information to identify, present and mitigate risks
- Spread financial statements, propose an appropriate counterparty rating and recovery rate on facility using the Bank’s internal systems
- Deliver a complete, synthetic and coherent up-to-date counterparty and credit risk analysis, based on facts and compliant with the Bank’s guidelines
- Complete Credit Proposals enabling the Credit Committee to make an informed decision
- Support the Relationship Manager / Front Officer in credit process-related matters
- Interact with parties involved in the credit process
- Active portfolio monitoring and dissemination of relevant information
- Ensure annual reviews are performed and approved timely
- Monitoring of financial covenants and conditions
- Timely completion of watchlist reports
- Keep updated with credit methodologies and policies
- Understanding of facility pricing mechanism/tool and related process
- Keep updated with Compliance / CSR requirements on clients’ businesses
- Share information and develop industry intelligence
- Co-present of Credit Proposals to local Credit Committees
- Meet clients jointly with Relationship Managers, when and where possible, to deepen the understanding of a credit
- Participate in discussions on potential deals
- Participate in projects linked to improving credit process efficiency
- Contribute to any other portfolio or credit administrative and statistical works as required by management from time to time
26
Associate Credit Risk Resume Examples & Samples
- Assist audit and advisory clients in evaluating consumer loan portfolio risk assessment models
- Create consumer credit loss forecasting methodologies for clients
- Evaluate analytical models and methodologies used in consumer credit lending, account management, and collections
- Participate in the proposal process for potential engagements
- Two years of work experience in credit risk
- Experience in the application of econometric modeling and other business analysis tools
- Knowledge of Champion Challenge modeling and testing methodologies
27
Senior Associate, Credit Risk Resume Examples & Samples
- Develop, build, test, and deploy applications using iterative, and agile-like development processes
- Translate advanced business analytics problems into technical approaches that yield actionable recommendations
- 3 years of relevant experience, preferably in a professional services environment
- Proficiency in TIBCO Business Works environments required; application development with relational databases and search technologies; Solar, Elastic search is a plus
- Proficiency in SOAP, JMS, JDBC, JMX and other enterprise standard required; Eclipse SDK development including development of OSGI bundles and services is a plus
- Proficiency in object-oriented design and programming concepts, modular and component design
28
Associate Credit Structuring Resume Examples & Samples
- Combination of technical background (derivatives pricing, quantitative finance, programming,..) and highly rated formal qualifications (Masters in Finance/Maths, Actuarial studies, MFE … and CFA, FRM)
- Up to 3 years of experience in Structuring, Sales or Trading
- Lateral thinker who can show initiative and creativity, with an ability to familiarize with new fields quickly and adapt to an ever changing environment. Capacity to transfer and apply concepts across assets, client types and geographies
- A resilient and enthusiastic personality. Strong communicator, able to solve problems and influence across businesses, functions and support teams within the bank (Sales, Relationship Managers, Clients, Traders, Legal & Compliance, Credit, Technical Accounting…)
29
Senior Associate, Credit Risk Resume Examples & Samples
- Develop and model complex financial structures such as reverse engineering of cash flow “waterfall” including payment rules and trigger effects
- Work on financial risk management advisory and audit engagements related to financial instrument valuations and cash flow analysis of fixed income, structured products, technical accounting applications, and whole loan portfolios
- Analyze and assess risk management activities related to investment portfolios, liquidity sources, accounting changes, and new regulations related to Dodd Frank and Regulation AB
- Review, validate, and develop financial cash flow models including mortgage (MBS) and asset-backed securities (ABS), credit default swap (CDS), option models, alternative equity investment, collateralized debt obligation (CDO), collateralized loan obligations (CLO), auction rate securities, residual assets, mortgage-servicing assets (MSR), and commercial mortgage-backed securities (CMBS)
- Review operational risk management, internal control policies and procedures including GAP analysis
- Perform compliance testing related to various client financing agreements with investment banks, issuers, regulators, government agencies, and investors
- One year of relevant experience in the financial services industry, structured finance, mortgage banking, corporate finance, or advisory services or three years of experience in fixed income analysis
- Advanced degree in Finance, Financial Engineering, Mathematics, Economics, Statistics, or a related major from an accredited college/university
- Strong understanding of financial products and structured credit, fixed income, discounted cash flow valuations, credit and interest rate risk hedging, and pricing of various financial instruments
- Working knowledge of modeling techniques and collateralized debt obligation types such as residential and commercial mortgage back securities, bank loans, and asset back securities
- Pursuit of Chartered Financial Analyst designation considered a plus
- Three years of relevant experience in the financial services industry, structured finance, mortgage banking, corporate finance, or advisory services or five years of experience in fixed income analysis
- Programming and modeling experience related to structured finance is highly preferred, particularly Intex, Bloomberg and/or Imake modeling tools
- Valuations of complex financial instruments as well as strong data mining and/or programming and Advanced MS Access or SQL skills
- Middle office, accounting, compliant and risk management skills with structured financial products
30
Associate Credit & Portfolio Analyst Resume Examples & Samples
- The portfolio analyst will support the risk managers with the day to day responsibility for a diverse portfolio of financial institution clients
- Proactively monitor exposures; undertake analysis/ investigation where required to ensure exposures are properly reported and exceptions resolved. This may include interacting with Sales and Trading as well as Credit Risk to understand the credit transaction
- Coordinate with other departments and various levels of management regarding credit risk reporting issues, including investigating data issues, and resolving reporting errors
- Serve as subject matter expert regarding credit risk reporting; develop and implement solutions as warranted
- Manage assigned projects in a timely manner, ensuring accuracy and that deliverables are met
- Identify policy and procedure gaps within the department, and propose solutions
- Demonstrate an ability to resolve internal and external audit issues and to interpret information requests from Regulators
- Develop an understanding of how financial and capital markets transactions, including derivative and foreign exchange trading, generate risk exposure, and how this affects extensions of credit to varied clients
- Develop a high degree of technical and policy understanding with respect to business credit processing
- Develop and maintain effective working relationships with colleagues in other areas of Risk
- Passionate interest in finance and strong analytical, research, and organizational skills are required. Familiarity with risk management & systems is a plus
- Candidates are expected to have strong communication skills, both oral and written
- Successful candidates will be self-motivated and capable of independently driving results while effectively prioritizing responsibilities and multi-tasking
- Prospective hires should be highly attentive to details, while being able to work under pressure and deliver timely and accurate results
- Individuals should demonstrate integrity and exercise sound decision-making skills while, at the same time, knowing when to seek assistance from colleagues
- The ideal candidate will have strong quantitative skills and be able to learn quickly
- Candidate will pay strong attention to detail, with the ability to recognize reporting and processing errors
- Candidate must be able to work as part of a team oriented environment, as well as independently
- Requires a great deal of resourcefulness and ability to gather, synthesize, and present findings from disparate sources
- Demonstrate integrity
- Demonstrate an ability to adapt to an evolving environment and responsibilities
- 1-2 years financial services experience recommended
- Strong computer literacy and advanced Excel, PowerPoint are a must-have
- Access skills are a plus
31
Senior Associate, Credit Risk Resume Examples & Samples
- Serve as mentor to staff and new hires
- Oversee various engagement personnel
- Regularly communicate with project sponsors and other interested client parties
- Manage various facets of engagement including risk management, project acceptance, billing, delivery, and collections
- Develop and sell new and existing clients, including development of marketing plans and sales strategies
- Eight years of work experience in credit risk
- Master’s and/or PhD degree in Engineering, Operations Research, Physics, Mathematics, or Statistics from an accredited college/university
- Progressive experience leading teams and managing projects
- Ability to develop and sustain meaningful client relationships
- Ten years of related work experience in a financial services and consulting firm
- PhD degree in Engineering, Operations Research, Physics, Mathematics, or Statistics from an accredited college/university
- Well established understanding of business dynamics and regulations
- Established network of industry contacts and business development opportunities
- Excellent interpersonal skills with the demonstrated ability to gain the confidence and respect of various levels
32
Associate, Credit Management Resume Examples & Samples
- Debt Management
- DCA Collection KPI & Success Rate
- Cheng Du unset blacklist stats
- Bad Debt write off statistics
- Legal Cases tracking report
- Consumer Sales
- Consumer collection efficiency
- Monthly dunning stats
- Business Sales
- Business sales collection efficiency
- Monthly debt review report
- Operation
- Conduct monthly performance review with the DM team
- Quarterly Ops review with Debt collection agencies
- Quarterly Bad Debt write off excercises and report
- Conduct monthly review with Cheng Du unset BL & debt recovery team to go through stats and issues
- Review and improve DM process
- Manage debtors complaints
- Consumer Collection
- Manage consumer collection staff
- Review blacklist code and stats
- Participate in System Enhancement & testing
- Liaise with CS on all customer complaint issues
- Business Sales collection
- SME credit analysis and approval
- High Risk Customer review
- Order approval
- Debt review & Issues settlement
- Review delinquency stats
- Policy enhancement
- Participate in system enhancement
- Management & Analysis
- Supervise, provide feedback and monitor team’s work performance
- KPI setting
- Perform major scope of Credit Policy Enhancement
- Deal with IA, Payment team, Reporting team and product
- Perform Bad Debt Analysis and recommend policy tightening to product and marketing team
- Handle and negotiate with external departments on queries, requests or complaints
- Degree of polytechnic diploma in Accounting, Finance, Statistics, Computer Science, Information Systems or any relevant discipline
- 6 to 8 years of experience and at least 3 years at a supervisory level
- Relevant experience in Credit Control, Collection, Debt Recovery and BPO Management
- Proficient in Microsoft Excel (V-look up, pivot, formula)
- Specialized knowledge on Recovery Law
- Telco products and services knowledge
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Associate, Credit Transaction Management Resume Examples & Samples
- Manage an assigned portfolio of Corporate Names on behalf of Global Credit
- Ensure that credit facilities are in compliance with agreements and policies
- Provide prompt attention to client requests and from other RBC units
- Verify that our systems (primarily CCMS) reflect terms and conditions as authorized
- Identify potentially deteriorating risk situations and recommend a course of action (through Triage process)
- Resolve credit issues with various banking units and Group Risk Management as required and provide advice as warranted
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Senior Associate, Credit Risk Resume Examples & Samples
- Perform analysis of financial services loan account originations including underwriting, processing, closing, post closing secondary marketing, loan documentation and collateral perfection, and quality control
- One year of related work experience in lending, lending compliance, or lending audit functions in a financial services or consulting firm
- Bachelor’s Degree or Six Sigma Black Belt Certified required
- Three years of related work experience in a financial services or consulting firm
- Experience in Mortgage Operations (Origination, Servicing and Default)
- Project and Change Management experience
- Mortgage Technology and Data Mapping experience
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Associate Credit Analyst Resume Examples & Samples
- Assist senior analyst(s) in fundamental research and analysis of corporate bond issuers across multiple industry sectors; demonstration of commitment and aptitude could lead to attaining primary coverage responsibility for specific credits
- Contribute to company-specific and sector research reports that incorporate creative insights
- Build and maintain individual models and spreadsheets on corporate credits to track quarterly results and update credit metrics. Utilize 10-Ks, 10-Qs, earnings reports and other data to derive financial data
- Maintain and update information on individual credits including Morningstar’s economic moat rating and competing NRSRO ratings on a regular basis
- Develop an understanding of Morningstar’s credit rating model; identify and track fundamental changes that might impact credit ratings
- Provide back-up to an experienced analyst in monitoring news, new issues, or other material events impacting corporate credits or bond recommendations
- Take on the lead role in processing and publishing daily, weekly, monthly, and quarterly reports produced by the research team
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Associate Credit Analyst Resume Examples & Samples
- Preparation of financial statement spreads and credit presentation packages
- Participation in loan approval presentations
- Portfolio credit risk review
- Shadowing Bank Officers in customer/prospect meetings
- Participation in seminars and on-going training sessions
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Associate Credit Analyst Resume Examples & Samples
- Monitor the credit quality of a portfolio of assigned client names in the E&P (including RBL), Midstream, Refining, and / or Oil Field Services space. This includes periodic review of borrower financial statements, press releases, news articles, industry information, rating reports, peer analysis, etc
- Prepare credit proposals for assigned portfolio to be included in annual reviews, facility renewals, amendments, waivers, watch list reports, refinancing, and underwritings of new clients
- Coordinate the credit process with the relevant coverage, product and risk teams to ensure an efficient turnaround of transactions
- Create and maintain client exposure and internal risk ratings using bank rating methodologies
- Participate in client calls (including bank meetings) as needed for due diligence on assigned client names
- Strong interaction with Risk Corporate, Coverage (Relationship Management) and Product Teams (FX, Derivatives, DCM, Syndications, Project Finance, etc.)
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Associate, Credit Capital Markets Calgary Resume Examples & Samples
- Completed a Bachelor's or Masters Degree in a related field
- Demonstrated capability to work independently on complex financial analysis and credit submissions
- Demonstrated excellent numerical and analytical abilities
- Prior lending experience and a familiarity with risk rating & RAROC models would be an asset
- Must be self motivated with a positive, enthusiastic and co-operative attitude
- Bilingualism both spoken and written (English and French) is considered an asset
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Associate, Credit Risk Resume Examples & Samples
- Perform detailed analysis of loan servicing including loan onboarding, investor reporting, custodial accounting, collections, portfolio retention, and loss mitigation alternatives and workouts
- Perform analysis of financial services loan account originations including underwriting, processing, closing, post-closing secondary marketing, loan documentation and collateral perfection, and quality control
- Conduct business process redesign and gap analyses
- Familiarity with loan loss reserving, loan grading systems, and credit analytics
- Strong written, organizational, and communication skills
- Ability to compile detailed reports and professional presentations
- A minimum of three years of related work experience in a financial services or consulting firm
- Mortgage technology and data mapping experience
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Senior Associate, Credit Risk Resume Examples & Samples
- Perform rapid prototyping of innovative data extraction, normalization and data analysis capabilities using a combination of different software and scripting languages including Python, R, Java, VBA, and SAS
- Develop models and simulations such as Stochastic, Agent Based, and System Dynamics using COTS Tools such as AnyLogic, Simulink, VisSim
- Perform hypothesis-driven analysis of complex multi-dimensional client datasets
- Supervise associate and interns on engagements
- A minimum of one year of experience in data analytics
- Bachelor’s degree from accredited college/university in one of the following areas: Computer Science, Mathematics, Economics
- Experience with multiple languages such as Python, R, Java, VBA, SAS, MySQL, or Access
- Experience with regression modeling, anomaly detection, clustering, text analytics, and social network analytics
- Experience with Advanced Data Science Methods such as Optimization, CPLEX Solver, Convolutional Neural Networks, Deep Learning, Bayesian Belief Networks (BBNs)
- Experience with Video Game Design & Development preferred
- A minimum of three years of experience in data analytics
- Advanced quantitative degree, such as a master’s or PhD, in engineering, operations research, physics, mathematics, or statistics from an accredited college/university
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Associate Credit Analyst Resume Examples & Samples
- Conduct fundamental credit analysis using company financial statements. This includes the creation of models appropriate to the sector, the search for trends and patterns in the model, peer analysis and the addition of qualitative discussion points to supplement findings from the model
- Develop an understanding of RGA’s risk tolerance and what is appropriate risk for RGA’s balance sheet
- Source and synthesize a wide variety of data pertaining to any credit or industry as required by supervisor or senior analyst. The data includes earnings reports (10k, 10Q), company presentations, earnings call transcripts, industry news, rating agency considerations and potential event risk consequences. The analyst must be able to formulate a general understanding of the company, sufficient enough to generate lines of inquiry to share with the supervisor or senior analyst
- Write reports that are clear and concise that demonstrate the strengths and risks of a credit, as well as provide a well-supported recommendation for action
- Participate in gathering, manipulating and incorporating data in support of quantitative and qualitative projects as needed
- Maintain regular and predictable attendance
- MBA graduate or/an undergraduate degree with 1-2 years of relevant Investment analysis experience
- Capacity to absorb and apply information in an efficient and accurate manner
- Intermediate and written skills to be able to clearly and concisely communicate research and ideas
- Familiarity with spreadsheet, word processing and presentation software
- Technical skills to optimize use of provided data resources which would include Bloomberg and Blackrock
- Creativity, accountability and resourcefulness
- Ability to focus in an open environment
- Ability to set goals and handle multiple tasks, clients, and projects simultaneously; ability to appropriately balance priorities, deadlines, and deliverables
- Ability to work well within a team environment and participate in department/team projects
- Ability to provide customer service in a satisfactory manner
- Ability to translate business needs and problems into viable/accepted solutions
- Basic negotiating and persuasion skills
- Basic knowledge of accounting and quantitative analysis
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Associate, Credit Assessment Resume Examples & Samples
- Communication with NAB Brokers ensuring service standards are met and adhered to, to meet customer expectations
- Liaising with external stakeholders i.e. Brokers
- Previous or current financial institution experience
- Business degree preferred (in progress or completed)
- Verification of financial documents knowledge
- .Personal lending experience
- Strong analytical and numeracy skills
- Data entry/typing skills
- Verbal communication (call centre/customer service experience)
- Proactive and “Can do” attitude
- Strong customer service delivery focus and/or call handling experience
- Sales/business development within Finance industry
- Leadership experience or potential
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Associate, Credit Assessment Resume Examples & Samples
- Current holder DCA $750k
- A minimum of 2 years applicable specialist knowledge in (ie Credit Assessment, Doc Prep, Settlements, Servicing)
- A minimum of 2 years operations experience
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Associate Credit Analyst / Credit Analyst Resume Examples & Samples
- Provide well developed investment recommendations to assist positioning in Invesco’s Global Fixed Income portfolios
- Use Invesco’s proprietary investment platform to record and update all investment views on a timely basis
- Assists in monitoring performance and pro-actively reviews investment recommendations to produce consistent long-term results
- Interact with clients, brokers and consultants to promote Invesco Fixed Income products as required
- Examine and monitor legislative, regulatory and economic developments across industry sectors assisting the investment decision making process
- Ensures compliance with all regulatory requirements and laws
- Demonstrable experience of investment grade credit analysis in European markets
- Previous experience of analysing non-financial companies
- Existing credit research skills
- A good understanding of corporate hybrids would be desirable
- Some Emerging markets & High Yield experience would be desirable
- A Master’s degree in finance, economics, mathematics or other business-related field of study preferred
- We would accept applications from ACA/ACCA qualified candidates or equivalent qualifications for the Associate Credit Analyst level
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Associate, Credit Analyst Resume Examples & Samples
- Prepare written reviews on Customer Credit Files relative to financial strengths and weaknesses of customers with opinions as to credit worthiness
- Gather information for Customer Credit Files through inquiries and investigations with trade suppliers, financial institutions, professional firms or individuals
- Establish and maintain a computerized Customer Credit Files
- Spreading financial statements through the use of computerized financial software program and analyze reports produced by the system for preparation of written reviews and credit analysis
- Analyze Customer Credits and highlight problems or questions
- Assist the Collection Department in the collection of delinquent accounts
- Follow the Corporate rules of Compliance as set forth by the Corporate Compliance Department.
- Bachelor’s Degree in Accounting, Finance, Economics, or related field
- Three years of credit of underwriting experience is desired
- Ability to work on multiple projects simultaneously, managing time and resources to ensure work is completed efficiently and within established time-frames
- Strong math aptitude, organizational and analytical skills
- Computer literate; fluency in Microsoft Office programs, Excel analysis required
- Ability to establish and maintain effective work relationships both internally and externally
- Strong problem-solving and follow-up skills with the ability to make decisions
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Senior Associate, Credit Risk Resume Examples & Samples
- A minimum of one year of experience in credit risk
- Master’s degree in mathematics, statistics, engineering, operations research, or physics from an accredited college/university
- A minimum of three years of experience in credit risk
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Associate, Credit Business Management Resume Examples & Samples
- Map, socialize and maintain an active library of all investment and operational procedures across the Global Credit platform
- Execute fundamental procedures required to process transactions
- Assist in the reconciliation process for both positions and profit and loss calculations and perform strategy updates
- Identify and analyze problems and generate alternative solutions as they relate to portfolio management and trading, including continued investment process refinement, implementation and consistency of best practices
- Create ad hoc reports to support non-systemic analysis for asset restructures and private transactions
- Partner with various internal groups across the firm such as GCM, RQA, Portfolio Compliance, Legal & Compliance, Business Operations, ICB and Product Strategy in order support the Portfolio Management team
- Provide support to Fundamental Credit Fixed Income Portfolio Management in regard to operational oversight of transactions and investments across the Fixed Income Credit platform with a focus on non-standard asset types
- Review of investment documentation including subscription agreements, confidentiality agreements and other transaction documentation
- Coordination & collaboration with the Global Fixed Income COO team, portfolio managers, research analysts and traders on key projects, issues and concerns
- 3+ years of financial services experience with knowledge of fixed income and operations
- BA/BS required
- Experience with Aladdin tools and applications; knowledge of Aladdin data sources is required
- Knowledge of syndicated loans; including documentation, trading, settlement and ongoing position management
- Understanding non-standard assets types, such as private debt, equity and distressed assets
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Associate Credit & Collections Analyst Resume Examples & Samples
- Maintaining strong cash flows through efficient collections
- Monitoring the Accounts Receivable portfolio for trends and warning signs
- Working closely with the customer service and sales teams to provide world-class service for Flowserve customers
- Reviewing and evaluating customers based on their financials on a regular basis
- Controlling bad debt exposure to minimize financial risk
- Setting credit limits for customers
- Releasing customer orders from credit block
- Monitoring payment terms with the sales teams
- Proactively call customers to ensure timely collections for outstanding receivables from customers
- Resolve deductions and payment differences with customers
- Reconcile customer statements and confirm balances
- Resolves collections by examining customer payment history
- Coordinate customer disputes and claims with the appropriate internal party
- Working together with the Accounts Receivable Accountant to make Flowserve customers happy
- Bachelor's or Master’s Degree is an advantage, Finance or relevant field preferred
- The ideal candidate has 0-1 years related experience
- Experience with Microsoft Office products is a plus
- Excellent verbal and written communication skills in English or any other language
- Ability to build effective relationships with customers to negotiate and influence timely payments
- Strong bias for action and ability to proactively recognize and resolve issue
- Experience in a finance or customer service related role is an advantage
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Senior Associate, Credit Risk Product Owner Resume Examples & Samples
- Work closely with Business Owner and technology partners to prioritize features and functionality
- Manages and sets expectations with the stakeholders and possesses strong negotiation skills
- Experience working with internal and external business partners, driving and completing concurrent projects on time and within budget
- Ability to create the vision for the scrum team
- Effectively writes user stories and acceptance criteria. Ensures all stories meet the Definition of Ready (DOR)
- Demonstrated proficiency with MS Office products including Excel, Word, and PowerPoint
- Ability to provide and receive feedback
- Ability to apply critical thinking and a logic based approach to problem solving
- Demonstrated strong communication skills and negotiating skills
- Preferred Skills
- Graduate Degree
- Familiarity with Agile / DMS
- Previous Product Owner Experience
- Data Sourcing / Decision Engine project experience
- SAS experience
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Associate Credit Analyst Resume Examples & Samples
- Minimum 1 year of working experience in similar field
- Strong professional verbal and written communication skills with an ability to handle sensitive customer situations
- Ability to work in an independent, efficient and effective manner in a fast-paced environment
- Experience working on MS Office tools & ERP packages
